Pay a @name — not a 0x-string or a 10-digit account. Settla finds them, discloses how to pay them, and picks the route that delivers the most value: crypto from your own wallet, or naira / cedi / CFA and airtime through a licensed partner.
✓The One Rule: Settla Network never moves, holds, or converts your money. Ever.
Settla quotes the rate and ranks by landed value; a licensed ramp + bank partner execute the transfer. Settla Network never touches the funds.
Resolve @amina, a phone, an email, or a merchant handle to the right recipient — with privacy-aware, minimal disclosure. No more pasting 0x-addresses or 10-digit accounts.
One handle routes to crypto wallets (Polygon/Base/Ethereum) and West African rails — NIP, GhIPSS GIP, Wave, Orange Money, mobile money — and billers. Settla Network picks the best one.
Cross-currency? The fattest cost is the FX spread, not the fee. Settla Network ranks by what actually LANDS in the recipient's currency — best-execution routing for money.
Recharge phones, pay electricity / cable / internet, and (gated) fund betting wallets across Nigeria & Ghana — the same name-to-hand-off, powered by a licensed VAS aggregator.
Your wallet signs and broadcasts crypto. Fiat, FX, and bills hand off to licensed partners. The app never holds a key, never holds funds, never moves fiat itself.
Every payment quietly grows the Settla Network identity graph underneath. Come for the tool — pay anyone, anywhere — stay for the network that makes it smarter over time.
In a cross-currency payment, the FX spread dwarfs the network fee. Most apps quote you the fee and hide the spread. Settla Network ranks routes by the landed amount — so the recipient gets the most, every time. Settla Network only quotes; a licensed ramp/off-ramp executes the conversion.
Settla turns @amina into an identity and discloses how to pay her — only what she's allowed to share, and only what you're allowed to see.
The engine scores every rail on fee, speed, reliability, and FX spread, and recommends the one that delivers the most in her currency.
Your wallet sends crypto; a licensed partner executes fiat, FX, or the bill. Settla Network never touches the money — it only found the way.
Settla Network never becomes a money transmitter. Every leg that touches funds hands off to a regulated specialist — so the product stays a resolution + routing layer, and the partners carry the licenses.
Representative partners — integrations in progress. Betting rides a VAS aggregator that supports it (e.g. Flutterwave / VTpass / Quickteller), gated per market with partner-owned compliance.
This payer is one example. Under it is Settla Network — an API that resolves identifiers and recommends routes. Two calls and your app can pay a name across any rail, at the best landed value. It never moves money, so you stay light on compliance.
See it live →import { SettlaClient } from "@settla/sdk";
const settla = new SettlaClient({ apiKey });
// Who is @amina, and how do I pay her best?
const route = await settla.recommendRoute({
to: "@amina",
asset: "NGN",
source_asset: "USDC", // fund with crypto
objective: "lowest_fee",
});
route.recommended_route.fx.landed_amount; // "156000"
// → hand off to your licensed partner. Settla
// never moves the money.Crypto from your wallet, naira / cedi / CFA and airtime through licensed partners — resolved to a name, routed by landed value.